Liberty Hill, TX Owner-Financed & Rent-to-Own Homes (No Credit)


Right in the heart of the Texas Hill Country, a few miles west of Georgetown and north of Leander sits the charming town of Liberty Hill. While the scenic views around town are enough to make anyone feel at home, the festive community events along with the diverse sights and attractions make it desirable for homebuyers who seek a peaceful and relaxing place to live. The town's history dates back to the 1840s. It is one of the most affluent neighborhoods in the greater Austin area that's distant from both downtown Austin and Round Rock. The median listing price for homes in Liberty Hill hovers around $500,000.

Getting approved for conventional loans requires stellar credit scores and verifiable sources of income, among other things. If you’re seeking no-credit-check alternatives, third-party owner financing in Liberty Hill (along with the rest of the 78642 and 78628 zip code areas) can help struggling borrowers get the home of their choice in Liberty Hill without the stringent requirements like credit or monthly income statements.

This guide will help you learn how to leverage owner-financing to make your dream of owning a home here a reality regardless of your credit situation:

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Why Buy an Owner-financed Home in Liberty Hill, TX (78642, 78628)?

Here are a few reasons why you should consider buying a home in Liberty Hill:

  • Liberty Hill’s median listing home price of $500,000 is still considered affordable because of the luxurious designs of available properties. There are also lower-priced houses in the area with the same luxurious vibe for budget-conscious buyers.
  • There are 130-140 homes available here on average and these properties stay listed for more or less 70 days, giving buyers enough time to shop around for the perfect abode.
  • This quiet town has been recognized as one of the safest places in the country, recording a crime rate that’s 42% lower than the nationwide average.
  • Liberty Hill is surrounded by the natural beauty of the Hill Country offering a fantastic view from all corners of the town. It’s also abundant in open green spaces for outdoor recreation including Lion’s Foundation Park, Liberty Hill City Park, and Wetzel Park.
  • The rich local culture stays alive thanks to its regular town events including the Liberty Hill Fair and Rodeo, Whimsy & Wonder Art Festival, the Annual Christmas Festival, as well as the weekly storytime and other reading programs hosted by The Liberty Hill Public Library
  • Liberty houses several schools acclaimed by the Texas Education Agency including Rancho Sienna Elementary, Liberty Hill Junior High, and Liberty Hill High.

Most Popular Liberty Hill Neighborhoods for Owner-Financed Homes

Santa Rita Ranch

This premier master-planned community features some of the finest properties with modern architecture. The staycation-style amenities and iconic views of the Hill Country blends perfectly well with Santa Rita Ranch’s ranch-inspired community living.


Sitting at the heart of the Texas Hill Country is a master-planned community that blends the region’s naturally beautiful landscape with the best of contemporary home designs. Along with the refreshing vibe of the San Gabriel River, Larkspur maintains a strong sense of community as locals flock to the amenities found throughout the neighborhood.

Orchard Ridge

Set away from the busy streets of the Austin Metropolitan area is a modern master-planned community that offers a welcome escape from the bustling city. The newly-constructed homes in the area are made even more attractive with the enriching sights and sounds of the Hill Country’s natural beauty.

Other Areas to Buy Owner-Financed Homes in Liberty Hill

Stonewall Ranch

Quarry Lake Estates

Carrington Ranch

Northgate Ranch

Sundance Estates


Durham Park

Clearwater Ranch

Drakes Crossing

Iron Oak

Boulderwood Park

Wild Country Ranch

San Gabriel River Ranch

Liberty Oaks

Bear Creek Country Estates

Rancho Santa Fe



Bear Creek Ranch

Stage Coach Hill


Christian Ranch

Ancient Oaks

Rio Gabriel

Thousand Oaks

Cierra Vista

Atkinson Place

Jenks Branch

Living Estates

The Ridge At Cross Creek


Stone Gate On The Waters

Rio Ancho

Windmill Acres

High River Ranch

Highland Oaks

Carriage Oaks

Sundance Ranch

Sunrise Acres

Saratoga Springs


Stable Oaks


How to Buy an Owner-financed Home in Liberty Hill (78642, 78628)

The Liberty Hill housing market can be a challenge for self-employed buyers, foreign nationals, and credit-challenged borrowers. Rent-to-own arrangements have become a popular alternative, but they offer a limited inventory of homes for buyers. If you struggle getting approved for a conventional loan, owner financing is a better alternative with benefits such as an amortization period of up to 30 years and fixed monthly payments. You can buy any single-family home of your choice. 

Interested in learning more? Set an appointment with us today!

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